Our Ultimate Rewards personal checking account offers a high interest rate — 2.75% APY* — to reward you for helping us run our bank efficiently. There’s no minimum balance required and we include an All America Bank VISA debit card for secure purchases and access to 1,000s of ATMs worldwide.

Earn 2.75% APY when you have up to $10,000 in your account. Any amount over $10,000 will earn 0.50% APY. If you don’t meet the requirements outlined above, you’ll earn 0.25% APY. We will pay interest earned by your account at the end of each monthly billing cycle.

Our monthly statement cycle ends on the 20th of each month. If the 20th falls on a Saturday, the cycle will end on Friday the 19th. If the 20th falls on a Sunday, the cycle will end on Monday the 21st. There are no rollover transactions.

Qualifying VISA debit card sales transactions include each time you use your VISA debit card to make a purchase from a vendor or merchant. These transactions must post and clear your account during the payment cycle. ATM and ACH transactions do not qualify.

Annual Percentage Yield (APY) is accurate as of 11/6/18. Rate may change.

There is a limit of two Ultimate Rewards Checking Accounts allowed per individual.